Everything You Need To Know About Short Term Health Insurance

Recently, more and more people are interested to know what is a short term health insurance. These policies are available up to 12 months, with an alternative to extend them to 36. Short term health insurance plans have a lower price, but for a reason: they have lower coverage too. These types of policies cover less medical services than long term health insurance, however, they are a good choice for some groups of people.

Health insurance policy, especially short term insurance can be confusing, so if you are wondering is short term health insurance a good idea and a suitable option for you, in this article we will cover everything you need to know about it, to help you decide.

Short Term Health Insurance Vs Long Term

Short Term Plans Don’t Include Certain Types of Care

The reason why short term health insurance plan isn’t qualified for the Affordable Care Act (ACA) is that it doesn’t include maternity care, prenatal care, drug treatment, and mental health treatment.

You Can Be Denied Based on Your Pre-Existing Condition

With short term health insurance, you can be denied even if you have medical issues that haven’t been previously diagnosed. You have to ask yourself is short term health insurance really a good idea because even if you have a minor allergy, you will either have to pay a higher price or simply be denied.

Some Plans Don’t Cover Sports Injuries or Other Common Health Problems

Certain categories of care are excluded from short term health insurance plans, like joint replacement surgery, cataract treatment, treatment for acne or moles, sports injuries, immunizations or treatment for chronic pain. Also, you can’t count on care if your injury occurred while you were intoxicated.

Short Term Plans Have the Limit on the Amount of Care

A basic short term health insurance plan has a limit of $250,000 up to $2 million on medical care, so if you reach the limit at some point, your care will be cut off. Also, short term plans have a limit on how much money should be spent per day, and a maximum is $1,000.

Short Term Plans Are Cheaper

Despite the gaps in health coverage and other unordinary rules, a lot of people opt for a short term insurance plan coverage. The reason is simple: it is cheaper than other health insurance plans, including the long term ones.

The prices of the short term plans are very attractive and many people opt for this type of health coverage due to the money difficulties. With all its downsides, short term plans are not for each and every individual, however, they are a much affordable option for big groups of people or large families with lower incomes.

Still wondering is short term health insurance good option for you? If the answer is YES, take our advice and carefully read what the short term health plan covers and what it doesn’t, and pay extra attention to the fine print! Don’t confuse it with a basic health insurance plan.

Consult with a professional because if you don’t, you might have a problem when choosing the right short term health insurance policy. Doublecheck if there are any hidden costs you will have to pay later on, and what is the amount of money you will need for the policy.

If you’ve already decided on a short term health coverage, take a look at what we at WellAway have to offer. Our short term Pristine plan offers practical coverage in the event of an accident or illness, with additional features including worldwide coverage and a high annual limit of 2 million US dollars.

If you still aren’t sure what is the best choice for you, feel free to reach out to us, and our friendly staff at WellAway will do its best to help you decide!

Plan Summary

Overview

Study Abroad Coverage for StudentsAt WellAway we understand the importance of good coverage. We know wellness and security directly impact learning and personal growth. You are our priority.

We offer several plans to accommodate different types of visa holders. Our product is designed to keep health expenses low, while meeting university requirements as well as meeting U.S. Department of State regulations. While you study or work abroad, and navigate through life… we have your back.

Foreign Health Insurance

Provide instant proof of coverage with no hassleNo need for medical exams or paperworkMeet minimum US health insurance requirements for J-1 and J-2 visasEnjoy 24/7 support from multi-lingual counselors

Usage and medication guides

Medical evacuation and repatriation

E-consultations and second medical opinions

Experienced global network of healthcare providers

Trip interruption coverage available

Plan Summary

Overview

Short-term health benefits coupled with true international coverage.

Our short-term product offers practical coverage in the event of an accident or illness with additional features including worldwide coverage and a high annual limit of $2 million USD. This product is designed to keep out-of-pocket expenses low, provide several deductible options to choose from; $500 USD up to $5,000 USD, giving you control over your premium. Coverage for comprehensive inpatient diagnostic testing and emergency evacuation and repatriation are included.

By choosing one of WellAway’s products, you can be confident that it includes the services we are known for, such as white glove ConciergeCare and tools to maintain a healthy bottom line while protecting you from the unexpected.

Additionally, we provide instant proof of coverage!

This plan is suitable for : Short Term Coverage / Individuals / Families

Advantages of Pristine

Individuals & Families

$2 million USD annual limit

Deductible options from 500 – 5000 USD

Comprehensive in-patient diagnostic coverage

Instant proof of coverage

Plan Summary

Overview

The New American is a health & lifestyle product designed to meet the needs of individuals and families relocating to the USA. Needless struggle can be avoided by acquiring health benefits and access to medical services that are uniquely designed for your lifestyle abroad. We are committed to developing a robust support system for foreign nationals.

Don’t leave your security to chance.

Our ACA compliant product includes five plans to choose from and wellness tools that allow you to avoid the hassle associated with complying with USA healthcare requirements and avoiding tax penalties. Each of our plans meet the mandated minimum essential health coverage, including unlimited annual maximums. Additionally, WellAway can assist you with finding the right medical provider in your area, or allowing you to request a second medical opinion for a complex diagnosis.

Access to medical services through a worldwide open-access network provider with no referrals necessary

Access to our ConciergeCare counselors available in different languages

Second medical opinion from an accredited doctor

Five plans available

Plan Summary

Avant-garde health coverage tailored to French nationals in the USA.

This benefit-centric product, for your home away from home, provides health coverage, preventive medicine and access to medical services uniquely designed to supplement you as a member of the Caisse des Français de l’Etranger (CFE). As a proud advocate of French communities across the globe, we are committed to developing a support system for French citizens to maintain a healthy bottom line and robust protection.

Enjoy a dependable scope of ACA-compliant coverage.

Our LVE “complémentaire” is a health product for French citizens that efficiently tops off their CFE reimbursements towards their out-of-pocket costs. If you are not currently a CFE member, you may enroll at the time of application. We offer ACA-compliant essential coverage that satisfies the requirements of the USA’s healthcare regulations and mandates. In fact, our plans are the only ACA-compliant “complémentaire” to CFE option available.

Online e-consultations with medical experts

Second medical opinions from an accredited doctor

24/7 ConciergeCare services by native French speakers

Medical evacuation and repatriation included

Coverage extended to live-in partners

Plan Summary

Overview

Akin provides coverage options with the tools and resources to find comfort away from home. Great features include lower premium costs and benefits mirroring that of our ACA compliant products. Like the LVE and New American products, Akin includes worldwide coverage for traveling beyond the USA. Enjoy emergency medical repatriation and evacuation as well as additional options such as dental and vision coverage.

We understand the importance of servicing you in the most welcoming and hospitable manner possible. Our culturally-centered white glove ConciergeCare services ensure access to health and preventive services, acting as a unique expatriate support system with experience and knowledge of the industry. Assistance with provider selection, medical appointments, policy coverage issues and understanding the rich scope of benefits is just a phone call away, with multi-lingual capabilities.

French nationals subscribing to the Caisse des Français de l’Étranger can use Akin as a top up plan.

Evacuation and repatriation coverage included

Competitive premiums in the world’s most expensive healthcare market

Coverage extended to live-in partners

French nationals can use AKIN as a top up plan to the CFE

Plan Summary

Overview

Our ORBE plan is a benefit-centric product created to meet your needs wherever you may be located. With ORBE you have far reaching access to medical services through a worldwide open access provider network with out the need for referrals. A steadfast customer service system is in placed to support expatriates across the globe.

Optional Benefits: Maternity, Dental & Vision, Other non-medical

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